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Rebank: Banking the Future

Banking and financial services are in the midst of rapid structural change. Fintechs and digital banks are redefining their industry and challenging incumbent organizations for market share. Technology is vastly powerful, creating new industries in response to – or sometimes in anticipation of – changing customer expectations. In an age of increasingly rapid change, important questions, debates and developments are unfolding before our eyes. These ideas, and the choices we make in response to them, will shape our future. Rebank: Banking the Future explores the trends, developments and challenges that define our age and shape the future role of money, banking and financial services.
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Rebank: Banking the Future
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Now displaying: Category: business
Feb 20, 2018
Hiroki Takeuchi is the Founder and CEO of GoCardless, a London-based fintech that simplifies recurring payment collection for businesses.
 
GoCardless has raised $47m to date and is backed by the likes of Balderton, Accel Partners, Passion Capital and Notion Capital. Hiroki and his co-founders, including Tom Blomfield, now of Monzo, who joined us on the podcast way back in episode 17, went through Y Combinator in early on and have some interesting stories about that experience.
 
Today's conversation covers a number of topics, some of which are quite challenging. I'd highly encourage you to listen through to the end. Hiroki is an exceptional entrepreneur with a powerful story.
 
Check out the show notes at www.bankingthefuture.com for links to the articles mentioned in today's conversation.
 
If you enjoy today's episode, please subscribe on iTunes, or your podcast platform of choice.
 
Thank you very much for joining us today. Please welcome Hiroki Takeuchi.
Feb 12, 2018
Today we’re thrilled to be joined by Nigel Walsh, aka Mr. InsurTech.
 
Nigel is a partner in Deloitte’s Financial Services technology practice, where he focuses on insurtech. With a background in end to end technology transformation, Nigel works with insurers on the journey to becoming truly digital.  
 
Prior to joining Deloitte, Nigel led the UK Insurance business for Capgemini, where he advised UK and European Insurance companies on major systems replacements and technology transformation projects aimed at improving the customer and broker experience.  
 
Nigel hosts a podcast called Insurtech Insider, where he goes deep on Insurtech topics on a regular basis. If you find today’s episode interesting, I’d highly encourage you to check it out. 
 
Thanks very much for joining us today, please welcome, Nigel Walsh.
Feb 5, 2018
Russ Shaw is the Founder of Tech London Advocates (TLA), a private sector led group of leaders promoting London's technology sector and addressing the issues on the horizon. The group is a not-for-profit community of individuals with aspirations to build and promote London as a world leading digital and technology city.
 
Russ has led a long and illustrious career in technology and telecom, including serving as the Chief Marketing Officer of O2, the Global Innovation Director for Telefonica and Managing Director, EMEA for Skype.
 
In addition to his work at TLA, Russ is a non-executive director of three tech companies, two of which are publicly listed, and an angel investor.
 
If you enjoy today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
Jan 30, 2018
Jon Stein is the CEO and founder of Betterment, one of the leading roboadvisors in the US.
 
After amassing experience advising banks and brokers on risk and products, Jon founded Betterment in 2008 to make people's lives better.
 
Jon is a graduate of Harvard University and Columbia Business School. He holds Series 7, 24, 63 licenses and is a CFA charterholder. 
 
Jon's interests lie at the intersection of behavior, psychology, and economics, all of which we get into in today's conversation.
 
If you enjoy today's episode, we'd really appreciate it if you shared it with one other person who might like it. Fintech is relevant all over the world, and we'd love your help spreading the message.
 
Thank you very much for listening today. Please welcome, Jon Stein.
Jan 23, 2018
Antony Jenkins is the Founder and Executive Chairman of 10x Future Technologies, a UK-based fintech company creating digital platforms for banks.
 
Antony is also Group Chairman of Currencies Direct, an FX and international payments provider, a board member of Blockchain,  one of the leading software platforms for digital assets, backed by the likes of Lightspeed, Google Ventures and Sir Richard Branson. Antony also sits on the digital advisory council of Fannie Mae and is a member of a consultative working group for ESMA, the European financial regulatory institution.
 
From 2012-2015, Antony served as CEO of Barclays Bank.
 
At 10x, Antony and his team are building a digital bank for Virgin Money in the UK and speaking with banks around the world about implementing end-to-end-digital capabilities. Investors in 10x include Ping An, the China-based technology giant who was the primary investor in the £34m Series A funding round for 10x last September – the largest ever Series A for a European fintech firm.
 
If you're interested in the topics we discuss today, subscribe to our mailing list at www.bankingthefuture.com.
 
Thank you very much for joining us today. Please welcome, Antony Jenkins.
Jan 16, 2018
Megan Caywood is the Chief Platform Officer at Starling Bank, one of the UK's newest and most tech forward banks. Megan is responsible for the design and development of Starling's API strategy and the bank's marketplace, both of which we discuss in detail in today's conversation.
 
And what a timely conversation it is. PSD2 in Europe and Open Banking in the UK took effect on Saturday, January 13th, the day after we recorded this episode, making effective one of the most dramatic changes to the banking industry in decades.
 
Open data models, APIs and multi-party customer experience are core to Starling's model in the same way they are those of Google, Apple, Facebook and others. It's unclear how quickly the impact of Open Banking will be felt or exactly how the legislation will affect the market, but it could be transformational.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today, please welcome Megan Caywood.
Jan 9, 2018
Today, we welcome back our good friend Lawrence Wintermeyer, former CEO of Innovate Finance. Lawrence now works with a range of institutional investors and companies to help them capitalize on the shifts underway as part of the digital revolution. Lately, he's been doing a lot of work in cryptocurrency and tokens, the topic we pick up today.
 
We also connect with Oliver Oram, founder of Chainvine, a blockchain company, and lead advisor to MindArk, a video game developer preparing an ICO.
 
We get into some of the higher level developments in the crypto space with Lawrence, and dig into a specific ICO use case with Oliver in the second half of the episode.
 
It feels like we're in the middle of a hurricane in the crypto space, with prices blowing in all directions while the underlying technological and social components struggle to take hold. Crypto is one of the most fascinating topics out there right now, and you're bound to have views. Let us know what you think @rebankpodcast @lwintermeyer and @ONOUKSV.
Jan 2, 2018
Today, we're thrilled to be joined by Jamie Campbell and Nina Mohanty of Bud, one of the most compelling fintech apps around. Despite its startup status, Bud has hit some major milestones and is working on a project with HSBC and First Direct that see them integrated directly into the incumbents' apps, in what could be a watershed moment for fintech.
 
In addition to their super cool business, they're also just great people. Give them a shout @JCtheOriginal and @NinaMohanty, and invite them to your next party.
 
Thank you very much for joining us today, please welcome Jamie Campbell and Nina Mohanty.
Dec 19, 2017
Benedetta Arese Lucini is the co-founder of Oval Money, an app helping people save more and improve their financial lives.
 
Prior to starting Oval Money, Benedetta ran Uber in Italy, launching it in that country and running it for three years. And what a journey that was. We get into that experience, which is mind blowing.
 
In addition to her interest in tech and fintech, Benedetta is an advocate for political reform and women's rights in Italy and a radio broadcaster.
 
It was a blast catching up with Benedetta and getting into some of her personal story.
 
Let us know what you think of today's episode. Tweet at us @rebankpodcast or connect on LinkedIn or Facebook.
 
Thank you very much for joining us today. Please welcome, Benedetta Arese Lucini.
Dec 12, 2017
Alessandro Hatami is the former Group Innovation Director at Lloyds Banking Group and current Managing Partner at Forestreet.
 
Alessandro bring a grown-up view to fintech. Working closely with incumbents on fintech strategy, he has great insight into the way larger players are positioning themselves in a changing FS landscape. Today, we get into what big tech players are likely to do with regards to banking, and what that means for banks.
 
I assure you the conversation itself is much more interesting than this intro, which with references to banks and banking sounds pretty dull. Maybe big tech will do away with banking as we know it and get rid of the term all together. We'll see.
 
This topic is so ripe for debate. Will financial services survive the arrival of social media giants? Let us know on Twitter @rebankpodcast.
 
Thank you very much for joining us today. Please welcome, Alessandro Hatami.
Dec 5, 2017
Ella Rabener is the co-founder and Chief Marketing Officer of Scalable Capital, a technology-driven investment management platform for retail investors. Scalable Capital has raised 41 million Euros in funding from BlackRock, Holtzbrinck Ventures and Tengelmann Ventures. Scalable employs over 50 people in offices in Munich and London. 
 
I think this is one of the most interesting conversions we've ever had on the show. It's a bit long, but it's highly worth listening to through to the end. Ella drove this discussion across a range of topics, including raising a 30m Euro round from Blackrock, what she learned in 8 years at McKinsey, what we can do to address the gender imbalance in the workplace, and what the future of investing will look like.
 
We've gotten some great feedback from you guys the audience over the past few weeks, which is helping us shape upcoming episodes. Keep getting in touch. Email us at rebank@bankingthefuture.com with ideas or just to introduce yourself. We love hearing from you.
 
Special thanks to Innovate Finance for connecting us with Ella. We're hugely appreciative of everything they do for fintech in London.
 
Thank you very much for joining us today. Please welcome, Ella Rabener.
Nov 28, 2017
Fiona Mackenzie is CEO and founder of marble, a personal financial management app. Fiona has spent most of her career as an actuary in insurance and pensions and is looking to bridge the gap between what people are doing with their money and what they could be doing to better achieve their goals.
 
What do you think of the personal financial management tools you've used? What will the future of this space look like? Let us know on Twitter @rebankpodcast or via Facebook. 
 
Got ideas for the show? Email us at rebank@bankingthefuture.com.
 
Thank you very much for joining us today, please welcome Fiona Mackenzie.
Nov 21, 2017
Stephane Malrait is a Managing Director and Global Head of Financial Markets eCommerce at ING. In that role, he effectively leads ING's electronic trading business as market maker and on behalf of clients. Stephane also sits on the Innovation Council of ING Bank and the Innovation steering committee of ING London.
 
Today's chat was an interesting one looking at fintech for capital markets and where the opportunities lie.
 
Join us behind the scenes as we prep our upcoming shows. Email us at will.beeson@bankingthefuture.com to introduce yourself, suggest guests and generally talk fintech. We love hearing from you.
 
Thank you very much for joining us today, please welcome Stephane Malrait.
Nov 14, 2017
Paul Taylor is the founder and CEO of Thought Machine, a brand new banking platform combining a Google-like approach to software with bank-like requirements for functionality.
 
Prior to Thought Machine, Paul headed the text-to-speech group at Google. He joined Google in 2010 when they acquired his company, Phonetic Arts. Phonetic Arts developed speech synthesis technology and was based in Cambridge, England.
 
Paul has a PhD in Speech Technology Research from Edinburgh University and started his career as an academic. Since then, he's founded three companies and taught at Cambridge University, in addition to his work at Google. Paul has published over 80 papers on speech technology, including the now standard text book in the field.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today, please welcome Paul Taylor.
Nov 7, 2017
Lex Sokolin is a futurist and entrepreneur focused on the next generation of financial services. He directs Fintech Strategy at Autonomous Research, a leading research firm for the financial sector, helping clients understand and leverage innovation.
 
Prior to joining Autonomous Research, Lex founded and ran NestEgg Wealth, a roboadvisor that pioneered online wealth management and was acquired by AdvisorEngine, a digital wealth management platform backed by WisdomTree.
 
Lex is a contributor of thought leadership to the WSJ, CNBC, Reuters, Investopedia, American Banker, ThinkAdvisor, and Investment News, among others.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today, please welcome Lex Sokolin.
Oct 24, 2017
Scott Robinson is the founder and VP of Plug and Play FinTech, a fintech-focused startup platform run with partners including BNP Paribas, Santander, Credit Suisse, Deutsche Bank, TD Bank, Sberbank, USAA, Mitsubishi, Capital One, Sumitomo, Intuit and many more global financial institutions.
 
Since the launch of the program in February 2015, Scott and his team have accelerated over 90 FinTech startups and made numerous venture investments in the space. 
 
We caught up with Scott on the fly, so the audio isn't perfect. Apologies for those out there with sensitive ears.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
We've been added to the catalog on music app Deezer on desktop, iOS and Android. Check us out.
Oct 17, 2017
Ricky Knox is the Founder and CEO of Tandem, a new UK bank that partners with its customers to improve their financial lives. 
 
Tandem is at least Ricky's third business. He's also a co-founder of Small World and Azimo. In addition to starting companies, Ricky also invests in them via his investment vehicle, Hexagon Partners. 
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
Oct 3, 2017
Shachar Bialick is the Founder and CEO of Curve - the smarter banking card.
 
Curve works like....well, magic. It lets you spend on all your cards on a single piece of plastic and even go back later and change which card you paid with. 
 
Over 75,000 have signed up since Curve launched last year, spending more than £50million in over 100 countries.
 
The card itself is only the first component of Shachar's vision to transform financial services. He goes into detail in today's conversation.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Shachar Bialick. 
Sep 26, 2017
Tim Sievers is CEO and Founder of Deposit Solutions, an Open Banking platform for deposits, connecting banks and depositors across Europe.
 
The platform allows banks to offer attractive third party deposit products to their own customers through their existing accounts.
 
Deposit Solutions works with banks across Europe, has mediated deposits in excess of €2bn, and employs more than 110 people across Hamburg, London and Zurich.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
Sep 19, 2017
Philippe Gelis is Co-founder and CEO of Kantox, a wholesale FX company. 
 
Kantox is a multinational Fintech company offering FX management solutions. Kantox is built to allow our customers to manage their currency exposure, build hedging strategies, automate FX transactions and process international payments in a smart way.
 
The company was founded in 2011, serves over 2000 customers and has processed over $5b of transactions.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Philippe Gelis. 
Sep 12, 2017
Today, we're thrilled to be joined by not one but three guests from BBVA, a bank setting the pace for innovation among incumbents. We connected with BBVA as part of their Open Talent Competition. Last week in London, BBVA held the Fintech for Companies track final, one of three main streams in the 2017 Open Talent Competition. The event was put on in conjunction with our good friends at Innovate Finance.
 
In this episode, we'll hear from Mario Pardo, Head of Client Solutions at BBVA, Carmela Gomez, Head of Global Treasury Solutions, and Marisol Menendez, Head of Open Innovation. All three share fascinating insight about the way BBVA thinks about innovation, how they've created a forward-thinking culture, and why openness is crucial to the future of banking.
 
As always, connect with us on Twitter, Facebook, LinkedIn, or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Mario Pardo, Carmela Gomez and Marisol Menedez.
Sep 5, 2017
Today we're thrilled to be joined by acclaimed author Dave Birch, back on Rebank for Round 2. Dave previously joined us on Episode 24 to explore developments in digital identity.
 
Dave is an internationally-recognized thought leader in digital money and digital identity. He has been named one of the global top 15 best sources of business information by Wired Magazine, one of the top ten most influential voices in banking by the Financial Brand, one of the top ten Twitter accounts for innovators by PR Daily, and one of the top three most influential people in London’s fintech community by City A.M. Dave is perhaps Europe’s most influential commentator on emerging payments and adjacent technologies, including digital identity, blockchain and privacy.
 
Dave recently published a new book, called Before Babylon, Beyond Bitcoin, which looks at money as a concept and the ways it may evolve. Today, we look at the current crypto boom and what it's telling us about the future of money and economies.
 
As always, connect with us on Twitter, Facebook, LinkedIn, or on our website at bankingthefuture.com.
 
If you're a regular Rebank listener, please sign into iTunes and leave us a review. It helps others find the show.
Aug 29, 2017

Erin Platts is Head of UK Commercial Banking at Silicon Valley Bank, and Kristi Oliver is a Managing Director in the same business. Silicon Valley Bank is one of the best known banks in the startup community, banking many of the most successful tech companies and VCs in the US and UK.

This episode is composed of two parts. In the first interview, we'll hear from Erin about SVB's pedigree and broad strategy. In the second interview, Kristi goes into detail about SVB's view on fintech and funding options for startups, including what venture debt is and how it works.

As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.

If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.

Thank you very much for joining us today. Please welcome, Erin Platts and Kristi Oliver.

Aug 22, 2017
Matt Clifford is the co-founder and CEO of Entrepreneur First, the world's leading technology company builder. EF invests in top technical individuals to help them build world-class deep tech startups in London and Singapore. Since 2011, they’ve created over 100 startups, including Magic Pony, an AI company acquired by Twitter in 2016, and Cleo, a chat app for banking.
 
Matt is also the co-founder of Code First: Girls, a free part-time course for high-potential female university students who want to be part of the digital revolution.
 
In 2016, Matt received an MBE from the Queen of England for recognition of his work.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Matt Clifford.
Aug 15, 2017
Welcome back after a week off last week - our first in a year. Wow. Hope everyone's having some fun this summer.
 
We've got some amazing guests lined up over the next few months, so stay tuned for that. We're increasingly active in our newsletter lately - if you'd like to be a part of that, you can subscribe on our website at www.bankingthefuture.com.
 
Today, we've got one for the entrepreneurs. We've had some great episodes with venture capitalists and founders going through the most interesting opportunities their seeing, ideas about areas of fintech ripe for further innovation, startup advice and more.
 
We're pulling all of that together in one place in a nod to our founder and aspiring founder listeners, of which there are many. A lot of the questions that come up most often in our community are around turning concepts into action. One of our core tenants at Rebank is that its delivery that matters. The discussion and analysis of high level ideas and trends are part of the work that takes place around and in support of execution, but with no action, the reflection is only so relevant.
 
Today, we hear from a number of past guests, including Michael Kent of Azimo, Steve Lemon of CurrencyCloud, Nigel Verdon of Railsbank, Alex Macpherson of Octopus Ventures, Carolina Brochado of Atomico, Michael Treskow of Eight Roads, Ameya Upadhyay of Omidyar, Charlie Delingpole of ComplyAdvantage and Aman Ghei of Orange Growth Capital.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Please enjoy today's special episode on starting a fintech.
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